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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,109 | $84,493-60.8% | $125,381-73.6% | $66,938-50.5% |
| Participation rate | 43.6% | 76.4%-32.8pp | 82.4%-38.8pp | 69.8%-26.2pp |
| Annual return | -2.73% | -8.49%+5.8pp | 572.31%-575.0pp | 1.58%-4.3pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $5,427 | $6,783-20.0% | $7,448-27.1% | $4,238+28.0% |
| Admin fee / account holder | $560 | $685-18.2% | $10,007-94.4% | $594-5.6% |